BA-Lending

NTT DATA, Inc.; Dadri; On-site; INR 3,000,000 - 4,500,000; Full time

Job summary

NTT DATA is seeking a Senior Business Analyst in Noida, Uttar Pradesh, to lead lending and credit initiatives across the full lifecycle. You will work with stakeholders, Product Owners, Credit/Risk, and Operations teams to translate business needs into scalable technology solutions.

Ideal candidates will bring deep experience in banking lending, strong requirements documentation, and proficiency in Agile practices. The role emphasizes process optimization and digitization across platforms.

Qualifications

• 10+ years of BA experience in Banking, with focus on Lending and Credit.
• Experience translating business needs into scalable technology solutions.
• Strong liaison with stakeholders, Product Owners, Credit/Risk and Operations teams.

Responsibilities

• Analyse end-to-end lending and credit processes across lifecycle stages.
• Lead As-Is / To-Be process analyses and identify automation opportunities.
• Document BRDs, FRDs, business rules, and user stories with acceptance criteria.
• Collaborate with Technology to translate requirements into designs and APIs.
• Support UAT planning, test scenarios and defect analysis.
• Participate in Agile ceremonies and backlog refinement.
• Drive digitization and STP improvements in lending processes.

Skills

Lending domain

Banking industry

End-to-end process analysis

BRD/FRD documentation

User stories & Agile

Job description

Business Analyst

We are currently seeking a BA-Lending to join our team in Noida, Uttar Pradesh (IN-UP), India (IN).

Role Overview

We are seeking an experienced Senior Business Analyst with 10+ years of experience in Banking, specializing in Lending and Credit. The role will involve working across the end-to-end lending and credit lifecycle, translating business objectives and requirements into scalable business and technology solutions. The candidate will work closely with business stakeholders, Product Owners, Credit/Risk teams, Operations, Technology and other delivery teams to drive process transformation, digitization and implementation of lending solutions.

Key Responsibilities

• Analyse and define end-to-end lending and credit processes, covering Lead/Origination, Application, Credit Assessment, Underwriting, Approval, Documentation, Disbursement, Servicing, Collections and Closure.
• Lead As-Is / To-Be process analysis, identify process gaps, pain points, inefficiencies and opportunities for automation and digital transformation.
• Elicit, analyse and document business and functional requirements through stakeholder workshops, interviews, process walkthroughs and collaborative working sessions.
• Develop BRDs, FRDs, business rules, process flows, user stories, acceptance criteria, use cases and functional specifications.
• Collaborate with Technology and Architecture teams to translate business requirements into solution designs, APIs, system interfaces and integration requirements.
• Work with Product Owners and Agile teams to prioritise the product backlog, define features/epics, refine user stories and support sprint planning and delivery.
• Support UAT planning, test scenario definition, defect analysis, business validation and implementation readiness.
• Identify opportunities to improve straight-through processing (STP), reduce manual intervention, improve turnaround times and enhance customer experience.
• Participate actively in Agile/Scrum ceremonies, including Sprint Planning, Backlog Refinement, Daily Stand-ups, Sprint Reviews, Retrospectives and Release Planning.
• Support development teams during sprint execution by providing functional clarification, requirement walkthroughs and timely resolution of business queries.
• Contribute to UAT planning and execution, including preparation/review of UAT scenarios, test cases and expected outcomes, coordination with business users, defect triage and validation of fixes.
• Support business readiness, implementation and release activities, ensuring that requirements and acceptance criteria are appropriately addressed before production deployment.
• Provide Post-Production / Production Support, analysing business issues, conducting impact and root-cause analysis, coordinating with technology teams and supporting resolution of production defects and incidents.

About NTT DATA

NTT DATA is a $30 billion business and technology services leader, serving 75% of the Fortune Global 100. We are committed to accelerating client success and positively impacting society through responsible innovation. We are one of the world's leading AI and digital infrastructure providers, with unmatched capabilities in enterprise-scale AI, cloud, security, connectivity, data centers and application services. our consulting and Industry solutions help organizations and society move confidently and sustainably into the digital future. As a Global Top Employer, we have experts in more than 50 countries. We also offer clients access to a robust ecosystem of innovation centers as well as established and start-up partners.NTT DATA is a part of NTT Group, which invests over $3 billion each year in R&D.

Whenever possible, we hire locally to NTT DATA offices or client sites. This ensures we can provide timely and effective support tailored to each client’s needs. While many positions offer remote or hybrid work options, these arrangements are subject to change based on client requirements. For employees near an NTT DATA office or client site, in-office attendance may be required for meetings or events, depending on business needs. At NTT DATA, we are committed to staying flexible and meeting the evolving needs of both our clients and employees. NTT DATA recruiters will never ask for payment or banking information and will only use @nttdata.com, @nttdatafed.com and @talent.nttdataservices.com email addresses. If you are requested to provide payment or disclose banking information, please submit a contact us form, https://us.nttdata.com/en/contact-us .

NTT DATA endeavors to make https://us.nttdata.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact us at https://us.nttdata.com/en/contact-us . This contact information is for accommodation requests only and cannot be used to inquire about the status of applications. NTT DATA is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. For our EEO Policy Statement, please click here . If you'd like more information on your EEO rights under the law, please click here . For Pay Transparency information, please click here .

Job Segment: Business Analyst, Consulting, Technology